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U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934 [FEE REQUIRED]
For the fiscal year ended December 31, 1993
OR
[_] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 [NO FEE REQUIRED]
For the transition period from __________ to __________
Commission file number 0-20232
A. Full title of the plan and address of the plan, if different from that
of issuer named below:
COMMERCIAL BANCSHARES, INC.
EMPLOYEE STOCK OWNERSHIP PLAN
(CONTAINING SECTION 401(k) PROVISIONS)
B. Name of issuer of the securities held pursuant to the plan and address of
its principal executive office:
Commercial BancShares, Incorporated
415 Market Street
Parkersburg, WV 26101
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The Commercial BancShares, Inc., Employee Stock Ownership Plan (Containing
Section 401(k) provisions) is subject to the Employee Retirement Income
Security Act of 1974, as amended ("ERISA"). Accordingly, in lieu of the
requirements of Items 1-3 of this Form, the Plan is filing financial
statements and schedules prepared in accordance with the financial reporting
requirements of ERISA. The following financial statements, attached hereto,
are filed as part of the Annual Report:
Financial Statements and Schedules
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1. Independent Accountants' Report
2. Statement of Net Assets Available for Benefits
3. Statement of Changes in Net Assets Available for Benefits
4. Notes to Financial Statements
5. Supplemental Information
Index to Exhibits
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Description S-K Item 601 Table Reference Sequential Page Number
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Consent of Harman, Thompson, (24) 3
Mallory & Ice, A.C.
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SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
trustees (or other persons who administer the employee benefit plan) have duly
caused this annual report to be signed on its behalf by the undersigned
hereunto duly authorized.
Commercial BancShares, Inc.
Employee Stock Ownership Plan
(Containing Section 401(k) Provisions)
Date: June 27, 1994 By /s/ Larry G. Johnson
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Larry G. Johnson
Trustee
Commercial BancShares, Inc.
Employee Stock Ownership Plan
(Containing Section 401(k) Provisions)
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CONSENT OF INDEPENDENT AUDITORS
Administrative Committee
Commercial BancShares, Inc.
Employee Stock Ownership Plan
(Containing Section 401(k) Provisions)
Parkersburg, West Virginia
We consent to incorporation by reference of our report dated June 20,
1994 relating to the statements of net assets available for benefits of
Commercial BancShares, Inc. Employee Stock Ownership Plan (Containing Section
401(k) Provisions) as of December 31, 1993 and 1992 and the related statements
of changes in net assets available for benefits for the years then ended, which
appears in Commercial BancShares, Inc.'s Form 11K for 1993.
/s/ Harman, Thompson, Mallory & Ice, A.C.
Certified Public Accountants
Parkersburg, West Virginia
June 28, 1994
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